Houston, TX · Charter 8872
NCUA · 2 branches
Q1 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | -0.12% | -0.08% | -0.05% | 0.05% | 0.13% | 0.20% | 0.73% | +77 bps | |
| Return on Equity | -1.09% | -0.94% | -0.65% | -0.41% | 0.44% | 0.96% | 1.53% | 5.46% | +587 bps | |
| Net Interest Margin | 3.98% | 4.10% | 3.88% | 3.80% | 3.92% | 4.37% | 4.32% | 5.03% | +124 bps | |
| Efficiency Ratio | 103.03% | 102.64% | 101.83% | 98.67% | 95.89% | 92.65% | 90.15% | 68.86% | -2,981 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.98% | 2.66% | 10.23% | 9.09% | 1.72% | -3.13% | -4.43% | -8.04% | -1,713 bps | |
| Loan Growth (YoY) | -10.00% | -7.09% | -9.76% | -4.02% | -1.98% | 5.01% | 20.23% | 21.48% | +2,550 bps | |
| Share Growth (YoY) | -2.11% | 3.29% | 11.96% | 10.46% | 1.94% | -3.74% | -5.38% | -9.52% | -1,998 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.27% | 0.43% | 0.53% | 0.50% | 1.15% | 1.15% | 0.88% | +35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.91% | 2.96% | 2.86% | 2.71% | 2.69% | 2.77% | 2.57% | 2.90% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.33% | 12.72% | 12.06% | 11.84% | 12.14% | 13.24% | 12.81% | 13.27% | +143 bps | |
| Net Worth / Assets | 12.33% | 12.72% | 12.06% | 11.84% | 12.14% | 13.24% | 12.81% | 13.27% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.74% | 60.67% | 56.50% | 55.34% | 58.41% | 66.19% | 71.79% | 74.30% | +1,896 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |